The Breckenridge mortgage market
Breckenridge is Colorado's most-visited ski resort town and a dominant second-home and vacation rental market. Limited inventory and year-round demand keep prices elevated — most purchases require jumbo or high-balance conforming loans. DSCR loans are popular for STR investors, and primary residents often compete with all-cash second-home buyers.
Most Breckenridge purchases require jumbo or high-balance conforming financing; DSCR loans are common for short-term rental investors.
Top loan programs in Breckenridge
- Jumbo — commonly used by Breckenridge buyers in this market.
- Conventional — commonly used by Breckenridge buyers in this market.
- DSCR — commonly used by Breckenridge buyers in this market.
- Second Home — commonly used by Breckenridge buyers in this market.
Explore loan programs in Breckenridge
How to qualify for a mortgage in Breckenridge
Most Breckenridge purchases price above conforming limits, so qualifying often starts with jumbo or second-home guidelines: stronger credit (typically 720+), 10–20% down, and documented reserves. Investment and short-term-rental buyers may layer in DSCR. Lenders still review credit, DTI, down payment, and income docs — but the bar is set by the jumbo or second-home investor.
- Primary residences: conventional, FHA, VA, or USDA depending on credit and down payment.
- Second homes: typically conventional or jumbo with 10–20% down.
- Investment properties: conventional investor loans (20–25% down) or DSCR loans based on rental income.
Get pre-approved for a Breckenridge mortgage
Tayton Capital is an independent mortgage broker licensed in Colorado and Florida, helping buyers across Summit County — including Breckenridge — find the right loan program at a competitive rate. As a broker we shop conventional, FHA, VA, USDA, jumbo, and DSCR lenders to match each borrower with the best fit.
What clients say about working with us near Breckenridge
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